Florida Military Financial Crimes & BAH Fraud Defense Lawyers – Florida UCMJ Attorneys

Elite Civilian Defense for BAH Fraud, DTS Fraud, Larceny & Financial Misconduct Allegations Across All Florida Military Bases

Accusations of BAH fraud, military financial crimes, DTS fraud, travel voucher misconduct, unauthorized allowances, Article 121 larceny, or financial irregularities are devastating for service members stationed in Florida. Unlike many criminal allegations, financial accusations often begin without warning — triggered by audits, administrative reviews, disgruntled ex-partners, or errors in finance systems.

Commands in Florida — from NAS Jacksonville, Mayport, Pensacola, Whiting Field, Eglin, Hurlburt, Tyndall, Patrick SFB, MacDill, and all Coast Guard sectors — aggressively pursue even minor discrepancies as “fraud,” often without considering administrative mistakes, bad advice, or system errors.

Gonzalez & Waddington, Attorneys at Law defends service members accused of financial misconduct across Florida. We challenge false allegations, attack flawed audits, expose administrative errors, and protect military careers from being destroyed by misunderstanding or bad paperwork.

Most financial crime allegations originate from mistakes, misunderstandings, incorrect advice from finance offices, or administrative system problems — NOT criminal intent.

➤ Speak with a Florida BAH Fraud & Financial Crimes Defense Lawyer

Why Florida Service Members Face So Many Financial Crime Allegations

Florida is one of the highest-volume states for BAH fraud, DTS fraud, and financial misconduct investigations due to:

• Large housing allowances in cities like Miami, Key West, Tampa & Jacksonville
• Frequent PCS moves through Florida training pipelines
• High numbers of reservists & Guard members with complex pay issues
• Coast Guard LE/PCS rotation cycles that create pay discrepancies
• Errors in DFAS, PSD, Air Force finance & Coast Guard pay systems
• Commands pushing zero-tolerance financial compliance
• Ex-partners reporting service members out of revenge in divorce or custody disputes
• Civilian arrests or housing disputes triggering financial scrutiny

Commands often assume fraud when the truth is a simple oversight or bad advice from finance personnel.

Most Common Financial Crime Allegations in Florida

1. BAH Fraud (Housing Allowance Fraud)

The #1 financial crime charged at Florida bases. Allegations usually involve:

• Incorrect marital status reporting
• Dependents living elsewhere
• Separated but not legally divorced spouses
• Command misunderstanding Florida’s cost-of-living variations
• Finance office errors in housing codes
• Misadvice from PSD, Air Force Finance, or USCG Pay & Personnel Centers

Many Florida BAH cases result from clerical mistakes — not criminal intent.

2. DTS Fraud / Travel Voucher Fraud

• Mistyped mileage or lodging entries
• Automation errors in DTS
• Wrong per diem rates selected by accident
• Commands treating simple errors as “fraud”

3. Article 121 Larceny (Financial Crimes)

• Erroneous payments
• Misunderstood entitlements
• Overpayment claims by DFAS or Coast Guard PPC

4. Misuse of Government Credit Cards (GTCC)

• Charges posted in wrong categories
• Split disbursement errors
• Automatic renewals or hotel holds

5. False Residency or Dependency Claims

• Dependent lives partly in another state
• College student dependents
• Child custody complexities
• Separation without legal divorce

6. Coast Guard LE / TDY Financial Errors

• Improper travel authorizations
• Misinterpreted cutter per diem rules
• Boarding team TDY disputes

7. Overpayments & Debt Collection Actions

• DFAS errors retroactively recoded
• USCG PPC miscalculations
• Incorrect BAH zip codes applied

How Florida Financial Crime Investigations Begin

Most begin with one of the following:

• DFAS or Coast Guard PPC audit
• Anonymous hotline complaint
• Report from ex-partner during divorce/custody disputes
• Command review during IG inspection
• Finance office discovering discrepancies
• Housing office reporting suspected fraud
• Random audit during PCS
• Misinterpreted dependent documentation

Once flagged, commands often escalate aggressively:

• NCIS / OSI / CID / CGIS criminal investigations
• Article 15 / NJP
• Administrative separation boards
• BOIs for officers
• Court-martial under Article 121

In Florida, commands often assume intentional wrongdoing — even when the member simply followed finance office instructions.

What Florida Service Members Face After Being Accused

You should expect:

• Immediate interviews by investigators
• Suspension of access
• Potential clearance issues
• Requirement to repay large amounts
• No-contact orders if a spouse/partner is involved
• Threats of NJP
• Separation proceedings
• Loss of rank or pay

Never admit anything to investigators or your command. Financial cases are extremely fact-sensitive and easy to misinterpret.

How Gonzalez & Waddington Defends Florida Financial Crime Cases

We have decades of experience dismantling financial misconduct allegations. Our approach includes:

1. Proving Administrative Error

• Mistakes by DFAS, PSD, Air Force Finance, or USCG PPC
• Wrong housing codes assigned
• Error in dependent documentation filing
• Incorrect DTS auto-population

2. Attacking the Intent Requirement

Article 121, DTS fraud, and BAH fraud require knowing, intentional wrongdoing. We show:

• You followed finance office instructions
• You relied on PSD or PPC personnel
• Your chain of command approved documentation
• Errors were administrative, not criminal

3. Exposing Investigator Bias

• NCIS/OSI/CID/CGIS often assume guilt immediately
• Investigators routinely misunderstand BAH regulations
• Commands prefer to “set an example”

4. Building Comprehensive Mitigation Packages

• Character letters
• Good service records
• Deployment history
• Operational evaluations
• Financial documentation & receipts

5. Challenging Financial Calculations

• Incorrect BAH rates
• Misapplied zip codes
• Dependent-status inconsistencies
• Miscalculated overpayments

6. Preventing Discharge or Criminal Prosecution

• Negotiating with command
• Stopping NJP or BOI
• Preventing court-martial referral

Where We Defend Financial Crime Cases in Florida

• NAS Jacksonville
• NS Mayport
• NAS Pensacola
• NAS Whiting Field
• NAS Key West
• NSA Panama City / NDSTC
• Eglin AFB
• Hurlburt Field
• Tyndall AFB
• Patrick Space Force Base
• MacDill AFB
• Homestead ARB
• USCG Sector Miami
• USCG Sector Jacksonville
• USCG Sector Key West
• AIRSTA Clearwater

Pro Tips for Florida Service Members Accused of Financial Misconduct

• Never admit intent or “fault.”
• Never speak to investigators alone.
• Save all finance documents, DFAS emails & receipts.
• Do NOT sign a statement prepared by investigators.
• Gather dependent-status proof ASAP.
• Avoid discussing your case with coworkers.
• Hire legal counsel immediately.

➤ Get Immediate Florida Financial Crime Defense

Florida Military Financial Crimes Defense – Frequently Asked Questions

Authoritative Resource: Defense Finance & Accounting Service (DFAS)